Life Insurance

Life Insurance2022-04-05T12:55:52-04:00

Get valuable protection for the financial future of the most important people in your life

One increasingly popular way for people to ensure that the wealth and assets they have accumulated remain secure for their family members today, as well as future generations, is to purchase life insurance. And, similar to financial investment strategies, it is often wise to diversify your life insurance holdings with multiple solutions. At Fred C. Church, we believe that securing the appropriate life insurance policies, and regularly checking that they are keeping up with your changing situation, is one of the most valuable actions you can take to preserve everything you have now, and what you may accumulate in the future.


Percent of Americans who do not have Life Insurance*

Financial Security

A life insurance policy is a key piece of your overall financial planning puzzle.

Life insurance, which is primarily known for its death benefits, is a wise way to make sure that loved ones are able to pay off expenses, like mortgages and credit card debt, in the event you’re no longer around. Proceeds from a life insurance policy can also be used to help replace lost wages and potential retirement savings contributions you would have contributed to your household, or to fund a child’s current or future educational needs. And, of course, life insurance is designed to cover the costs related to your end-of-life expenses, from funeral and burial arrangements to large medical or nursing home bills that are incurred during the last few months of your life. The Fred C. Church team is here to guide you through what type of policy is best for you and the ways a life insurance policy can support you, your family, and your financial well-being.

A couple sitting at a messy table filled with papers with the woman holding one piece of paper

Talk to an insurance professional about your life insurance options.

Talk To An Insurance Professional About Your Life Insurance Options.

What is the difference between a term life and permanent life insurance policy?

Before you invest, Fred C. Church will make sure you understand all your policy options.

With so much variety in life insurance providers, policy benefits, and premiums, it is no wonder that most people require the assistance of a knowledgeable insurance professional to help them evaluate their specific insurance needs, and the pros and cons of each policy available to them. One of the very first decisions you and your broker will need to make is whether a Term or Permanent policy is the best fit for your life today and where you hope life takes you in the future.

What is a Term Life Policy?

This policy provides coverage for a certain period of time, so if the insured dies during this “term” of years, a predetermined death benefit will be paid. This type of insurance is generally less expensive than other coverage options. Unlike some other forms of life insurance, you do not accumulate a cash value throughout the years, so at the end of the policy term, if you have not used the death benefit, your investment has zero value.

What is a Permanent Life Policy?

This type of policy provides lifetime coverage and is comprised of two parts – a savings portion and an insurance portion. There are also two types of permanent life policies, called Universal Life and Whole Life, which you and your insurance partner will need to evaluate for suitability. This type of insurance offers a consistent premium and accumulates a cash value that can be borrowed against in an emergency, for education costs, or virtually anytime you need a loan. You will pay a higher premium compared to a term life insurance policy.

A couple walking down the street. The dad is carrying a little boy on his shoulders while the mother is looking up at him

At Fred C. Church, we are committed to helping you understand your life insurance options, assisting you in selecting the best policy for you and your life today, and reviewing your coverage regularly to ensure that it continues to provide you and your family with the ongoing financial peace of mind you desire.

Here are some of the factors that typically
affect your life insurance premium:

  • Age

  • Gender

  • Health History

  • Current Health & Weight

  • Family History of Illness

  • Smoking & Drinking Habits

  • High-Risk Hobbies, e.g. skydiving

  • Dangerous Professions, e.g. pilot

What we mean when we say,
“It’s the people.”

If you choose to work with Fred C. Church as your insurance broker, you will experience our unique approach to finding the optimal life insurance solution for you and your loved ones. You will also see how important it is to us that you wholly understand the variety of coverage options available to you and how they can safeguard your wealth and assets. Most important, you will learn that, as independent agents, we don’t answer to anyone but you. Our only responsibility is to serve your personal goals, needs, and situation. With Fred C. Church, you will always come first.

Local Expertise, Multiple Choices

We have built strong relationships with leading regional and national insurance carriers.

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Client Success Stories

Here is how our people have helped other people achieve their goals.

5 stars

Everyone I have ever dealt with at Fred C. Church has always provided me with the best service, and that continued today.  You were helpful, kind, and so prompt with getting me what I needed, and I appreciate it so much!

Lindsay G., Dracut, MA

Thank you very much for all your help with my Dad’s car insurance needs as well as my own insurance. Awesome service!

Rich P., Tewksbury, MA

You are SO wonderful. Thank you for being the best agent. Much, much appreciated. 🙂

Lindsay H., Atkinson, NH

You are all experts in your field and you made my worries go away in minutes. I truly appreciate you and all the staff.

Ann Marie A., Lawrence, MA

You probably get tired of me saying this, but thanks again for all your help. You made the whole process go so smoothly. Again, I thank you.

Doug R., Ashland, MA

If you are looking for knowledgeable people who can walk you through the most complex insurance matter, these guys are for you! Good listeners, problem solvers, careful and comprehensive. They aren’t kidding: people do come first here. Five stars is not enough.

Sarah M., Boston, MA

Super helpful and available folks. Awesome place!

Chris R., Haverhill, MA

I have never viewed an insurance agent like a close trusted financial professional such as my accountant, lawyer or financial advisor but always felt maybe I was missing something. Now I know that I was missing out and that I have filled this gap at the same time.

David K., Acton, MA

We’re committed to doing our very best for you.

We’re committed to doing our very best for you.